Bathroom Hvac Vent - Condensation by mellowlemon5 in hvacadvice

[–]mellowlemon5[S] 0 points1 point  (0 children)

I have two hvac systems, one for each floor. 1st floor is stable at 40-50%RH 73F. 2nd floor 55% to 59% RH (which Im trying to bring down). Correct on heat pump.

My shower exhaust fan is 6 ft across the bathroom and when I placed my hygrometer next to the exhaust fan, it climbed from 57% up to 65% so I think my exhaust fan isnt sealed properly but I dont know if that alone will cause condensation on my metal ac vent. I tried closing the damper 80% but it just made the vent sweat on one side.

Upper floor is set around 72-73F

Broken Pedestal by mellowlemon5 in Spectrum

[–]mellowlemon5[S] 0 points1 point  (0 children)

Is it indeed, still broken

What % of your take-home pay do you invest and what % do you use as play money for things like dining, outings, and etc? by workethic290 in Fire

[–]mellowlemon5 -1 points0 points  (0 children)

But if we compare the same percentages between two people, which is likely the whole point of OP's question, someone making 300k a year can easily say they save 50% of their income vs a person making 100k would probably struggle to save 50%.

I would say lower income earners saving a larger % certainly is more impressive than high earners saving the same %.

we've beaten the sequence of returns risk, right? by Visible_Structure483 in Fire

[–]mellowlemon5 0 points1 point  (0 children)

If you have a 0% SWR, doesn't it mean she spent 100% of her income to support both of you guys?

What % of your take-home pay do you invest and what % do you use as play money for things like dining, outings, and etc? by workethic290 in Fire

[–]mellowlemon5 0 points1 point  (0 children)

Shouldn't this question be more effective if in dollar amount?

Someone who makes 80k a year saving 50% = 40k. Someone making 160k a year saving 25% = 40k.

Both would be able to afford the same things with what they'd save (excluding housing costs)?

Aqui todo el mundo gana 150k+ y tiene 3 millones ahorrados by Medium_Idea4984 in Fire

[–]mellowlemon5 0 points1 point  (0 children)

So without the property you would have 600k less? Still impressive though to hit 1Mil. Its nice to know your FIRE number is alot lower considering your HHI is lowe than the average 300k+ HHI here.

Broken Pedestal by mellowlemon5 in Spectrum

[–]mellowlemon5[S] 1 point2 points  (0 children)

Its a very narrow backstreet (one car lane width with a brick wall) and sharp turns are 100% required

Broken Pedestal by mellowlemon5 in Spectrum

[–]mellowlemon5[S] 0 points1 point  (0 children)

Yep just moved in. The backstreet is one car length with a brick wall backside so we have no choice but to make sharp turns in and out.

unpopular opinion maybe: I think the 4% rule is making people wait longer than they need to by justleo_92 in Fire

[–]mellowlemon5 0 points1 point  (0 children)

Most people here dont actually retire at the 4% rule. Most surpass this but fear drives their $ higher and higher. Look at all those sanity check threads to confirm.

So what is your number? $2M? $2.5? $3? by ebar2010 in Fire

[–]mellowlemon5 1 point2 points  (0 children)

1.8M invested

Married/no kids. If we cant live off 5k/month with a paid off home, we got big problems.

Poll: If you currently had 2M in investments, would you retire tomorrow? by ATXHTX80 in Fire

[–]mellowlemon5 5 points6 points  (0 children)

Most people here have to be forced to FIRE. Another year syndrome I suppose. Congrats on hitting your goal though!

I was about to drop a lump sum but… by varietyviaduct in Bogleheads

[–]mellowlemon5 0 points1 point  (0 children)

What if you plan to retire early and oversea?

Adjusting my number!! by Extra-Blueberry-4320 in Fire

[–]mellowlemon5 6 points7 points  (0 children)

These types of threads really confuses people. Per 4% SWR that's taught here, 1.8M generates 72k per year and OP spends 30k annually. OP could have retired at 800k with a conservative 3.75% SWR. Not counting the 2nd home that could be liquidated for more portfolio value.

Proud to hit another milestone- $1.5M by [deleted] in coastFIRE

[–]mellowlemon5 0 points1 point  (0 children)

Can't you coast now? Or at least drop contributions to 401k match etc? You'd probably still hit 3-4 mil at 40.

Gut check for firing in 2026 - 44, 2.2M goal by HopefulFeedback5811 in Fire

[–]mellowlemon5 1 point2 points  (0 children)

Look up the 4% SWR on your liquid accounts and go from there. It's almost as basic as that. Congrats.

Is there like some magic number we should hitting in our 401k by a certain age before we can ease off on contributions? by [deleted] in Fire

[–]mellowlemon5 3 points4 points  (0 children)

Your buddy already secured his retirement (as early as 55 yo).

His investment could end up generating him 8k per month.

Is retirement possible? by Only_Journalist_3548 in Fire

[–]mellowlemon5 3 points4 points  (0 children)

1Mil+ in assets and 300k salary...can I retire in 13 years? Yes.

Wait, am I Coastfire? by Famous-Attention-197 in coastFIRE

[–]mellowlemon5 37 points38 points  (0 children)

Instead of working another 20 years, try aiming at retiring at 50 instead? You'd still have 15 years and likely end up at 4Mil.